South Plains Financial Net Income
| SPFI Stock | USD 43.04 0.00 0.00% |
As of the 9th of February, South Plains has the Coefficient Of Variation of 554.23, risk adjusted performance of 0.1501, and Semi Deviation of 1.03. In relation to fundamental indicators, the technical analysis model makes it possible for you to check existing technical drivers of South Plains Financial, as well as the relationship between them.
South Plains Total Revenue |
|
Gross Profit | Profit Margin | Market Capitalization | Enterprise Value Revenue 3.6098 | Revenue |
| Last Reported | Projected for Next Year | ||
| Net Income From Continuing Ops | 57.2 M | 49.4 M | |
| Net Income Applicable To Common Shares | 67 M | 44.8 M | |
| Net Income | 57.2 M | 49.1 M | |
| Net Income Per Share | 3.60 | 2.16 | |
| Net Income Per E B T | 0.79 | 0.95 |
South | Net Income | Build AI portfolio with South Stock |
The Net Income trend for South Plains Financial offers valuable insights into the company's financial trajectory and strategic direction. By examining multi-year patterns, investors can identify whether South Plains is strengthening or weakening its position, and how this metric correlates with broader market conditions and industry benchmarks.
Latest South Plains' Net Income Growth Pattern
Below is the plot of the Net Income of South Plains Financial over the last few years. Net income is one of the most important fundamental items in finance. It plays a large role in South Plains Financial financial statement analysis. It represents the amount of money remaining after all of South Plains Financial operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue. It is South Plains' Net Income historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in South Plains' overall financial position and show how it may be relating to other accounts over time.
| View | Last Reported 49.72 M | 10 Years Trend |
|
Net Income |
| Timeline |
South Net Income Regression Statistics
| Arithmetic Mean | 37,146,297 | |
| Geometric Mean | 34,194,212 | |
| Coefficient Of Variation | 42.63 | |
| Mean Deviation | 14,573,291 | |
| Median | 29,220,000 | |
| Standard Deviation | 15,834,016 | |
| Sample Variance | 250.7T | |
| Range | 39.1M | |
| R-Value | 0.86 | |
| Mean Square Error | 67.8T | |
| R-Squared | 0.75 | |
| Slope | 2,708,942 | |
| Total Sum of Squares | 4011.5T |
South Net Income History
Other Fundumenentals of South Plains Financial
| Net Income From Continuing Ops | ||
| Net Income Applicable To Common Shares | ||
| Net Income Per Share | ||
| Net Income Per E B T |
South Plains Net Income component correlations
South Net Income Driver Correlations
Understanding the fundamental principles of building solid financial models for South Plains is extremely important. It helps to project a fair market value of South Stock properly, considering its historical fundamentals such as Net Income. Since South Plains' main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of South Plains' historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of South Plains' interrelated accounts and indicators.
Click cells to compare fundamentals
Is there potential for Regional Banks market expansion? Will South introduce new products? Factors like these will boost the valuation of South Plains. If investors know South will grow in the future, the company's valuation will be higher. Understanding fair value requires weighing current performance against future potential. All the valuation information about South Plains listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth (0.06) | Dividend Share 0.62 | Earnings Share 3.59 | Revenue Per Share | Quarterly Revenue Growth 0.028 |
Investors evaluate South Plains Financial using market value (trading price) and book value (balance sheet equity), each telling a different story. Calculating South Plains' intrinsic value - the estimated true worth - helps identify when the stock trades at a discount or premium to fair value. Analysts utilize numerous techniques to assess fundamental value, seeking to purchase shares when trading prices fall beneath estimated intrinsic worth. External factors like market trends, sector rotation, and investor psychology can cause South Plains' market price to deviate significantly from intrinsic value.
Please note, there is a significant difference between South Plains' value and its price as these two are different measures arrived at by different means. Investors typically determine if South Plains is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. Conversely, South Plains' market price signifies the transaction level at which participants voluntarily complete trades.
South Plains 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to South Plains' stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of South Plains.
| 11/11/2025 |
| 02/09/2026 |
If you would invest 0.00 in South Plains on November 11, 2025 and sell it all today you would earn a total of 0.00 from holding South Plains Financial or generate 0.0% return on investment in South Plains over 90 days. South Plains is related to or competes with SmartFinancial, Southern Missouri, First Community, Southern California, Bridgewater Bancshares, Independent Bank, and MetroCity Bankshares. South Plains Financial, Inc. operates as a bank holding company for City Bank that provides commercial and consumer fina... More
South Plains Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure South Plains' stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess South Plains Financial upside and downside potential and time the market with a certain degree of confidence.
| Downside Deviation | 1.26 | |||
| Information Ratio | 0.1222 | |||
| Maximum Drawdown | 9.15 | |||
| Value At Risk | (2.19) | |||
| Potential Upside | 2.92 |
South Plains Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for South Plains' investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as South Plains' standard deviation. In reality, there are many statistical measures that can use South Plains historical prices to predict the future South Plains' volatility.| Risk Adjusted Performance | 0.1501 | |||
| Jensen Alpha | 0.198 | |||
| Total Risk Alpha | 0.1155 | |||
| Sortino Ratio | 0.149 | |||
| Treynor Ratio | 0.3061 |
South Plains February 9, 2026 Technical Indicators
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | 0.1501 | |||
| Market Risk Adjusted Performance | 0.3161 | |||
| Mean Deviation | 1.15 | |||
| Semi Deviation | 1.03 | |||
| Downside Deviation | 1.26 | |||
| Coefficient Of Variation | 554.23 | |||
| Standard Deviation | 1.54 | |||
| Variance | 2.37 | |||
| Information Ratio | 0.1222 | |||
| Jensen Alpha | 0.198 | |||
| Total Risk Alpha | 0.1155 | |||
| Sortino Ratio | 0.149 | |||
| Treynor Ratio | 0.3061 | |||
| Maximum Drawdown | 9.15 | |||
| Value At Risk | (2.19) | |||
| Potential Upside | 2.92 | |||
| Downside Variance | 1.59 | |||
| Semi Variance | 1.05 | |||
| Expected Short fall | (1.45) | |||
| Skewness | 0.4042 | |||
| Kurtosis | 1.4 |
South Plains Financial Backtested Returns
South Plains appears to be very steady, given 3 months investment horizon. South Plains Financial owns Efficiency Ratio (i.e., Sharpe Ratio) of 0.15, which indicates the firm had a 0.15 % return per unit of risk over the last 3 months. We have found twenty-seven technical indicators for South Plains Financial, which you can use to evaluate the volatility of the company. Please review South Plains' Coefficient Of Variation of 554.23, semi deviation of 1.03, and Risk Adjusted Performance of 0.1501 to confirm if our risk estimates are consistent with your expectations. On a scale of 0 to 100, South Plains holds a performance score of 12. The entity has a beta of 0.87, which indicates possible diversification benefits within a given portfolio. South Plains returns are very sensitive to returns on the market. As the market goes up or down, South Plains is expected to follow. Please check South Plains' potential upside, as well as the relationship between the skewness and day median price , to make a quick decision on whether South Plains' existing price patterns will revert.
Auto-correlation | 0.78 |
Good predictability
South Plains Financial has good predictability. Overlapping area represents the amount of predictability between South Plains time series from 11th of November 2025 to 26th of December 2025 and 26th of December 2025 to 9th of February 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of South Plains Financial price movement. The serial correlation of 0.78 indicates that around 78.0% of current South Plains price fluctuation can be explain by its past prices.
| Correlation Coefficient | 0.78 | |
| Spearman Rank Test | 0.8 | |
| Residual Average | 0.0 | |
| Price Variance | 2.58 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
South Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income |
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Based on the recorded statements, South Plains Financial reported net income of 49.72 M. This is 96.11% lower than that of the Banks sector and significantly higher than that of the Financials industry. The net income for all United States stocks is 91.29% higher than that of the company.
South Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses South Plains' direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of South Plains could also be used in its relative valuation, which is a method of valuing South Plains by comparing valuation metrics of similar companies.South Plains is currently under evaluation in net income category among its peers.
South Plains ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, South Plains' sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to South Plains' managers, analysts, and investors.Environmental | Governance | Social |
South Plains Institutional Holders
Institutional Holdings refers to the ownership stake in South Plains that is held by large financial organizations, pension funds or endowments. Institutions may hold large blocks of South Plains' outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing South Plains' value.| Shares | Northern Trust Corp | 2025-06-30 | 115.1 K | Hotchkis & Wiley Capital Management Llc | 2025-06-30 | 95.4 K | Millennium Management Llc | 2025-06-30 | 92.9 K | Empowered Funds, Llc | 2025-06-30 | 88.1 K | Deprince Race & Zollo Inc | 2025-06-30 | 85.9 K | John W. Rosenthal Capital Management, Inc. | 2025-06-30 | 79 K | Acadian Asset Management Llc | 2025-06-30 | 76.5 K | Venturi Wealth Management, Llc | 2025-06-30 | 71.4 K | Two Sigma Advisers, Llc | 2025-06-30 | 60.8 K | Blackrock Inc | 2025-06-30 | 1.2 M | Vanguard Group Inc | 2025-06-30 | 698.4 K |
South Fundamentals
| Return On Equity | 0.13 | ||||
| Return On Asset | 0.0134 | ||||
| Profit Margin | 0.28 % | ||||
| Operating Margin | 0.37 % | ||||
| Current Valuation | 212.1 M | ||||
| Shares Outstanding | 16.3 M | ||||
| Shares Owned By Insiders | 24.60 % | ||||
| Shares Owned By Institutions | 42.71 % | ||||
| Number Of Shares Shorted | 139.22 K | ||||
| Price To Earning | 10.38 X | ||||
| Price To Book | 1.43 X | ||||
| Price To Sales | 3.41 X | ||||
| Revenue | 296.89 M | ||||
| Gross Profit | 206.69 M | ||||
| EBITDA | 74.07 M | ||||
| Net Income | 49.72 M | ||||
| Cash And Equivalents | 329.96 M | ||||
| Cash Per Share | 19.34 X | ||||
| Total Debt | 60.49 M | ||||
| Book Value Per Share | 30.31 X | ||||
| Cash Flow From Operations | 59.38 M | ||||
| Short Ratio | 2.09 X | ||||
| Earnings Per Share | 3.59 X | ||||
| Target Price | 46.75 | ||||
| Number Of Employees | 528 | ||||
| Beta | 0.6 | ||||
| Market Capitalization | 704.38 M | ||||
| Total Asset | 4.48 B | ||||
| Retained Earnings | 434.2 M | ||||
| Annual Yield | 0.02 % | ||||
| Net Asset | 4.48 B | ||||
| Last Dividend Paid | 0.62 |
About South Plains Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze South Plains Financial's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of South Plains using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of South Plains Financial based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
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Is there potential for Regional Banks market expansion? Will South introduce new products? Factors like these will boost the valuation of South Plains. If investors know South will grow in the future, the company's valuation will be higher. Understanding fair value requires weighing current performance against future potential. All the valuation information about South Plains listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth (0.06) | Dividend Share 0.62 | Earnings Share 3.59 | Revenue Per Share | Quarterly Revenue Growth 0.028 |
Investors evaluate South Plains Financial using market value (trading price) and book value (balance sheet equity), each telling a different story. Calculating South Plains' intrinsic value - the estimated true worth - helps identify when the stock trades at a discount or premium to fair value. Analysts utilize numerous techniques to assess fundamental value, seeking to purchase shares when trading prices fall beneath estimated intrinsic worth. External factors like market trends, sector rotation, and investor psychology can cause South Plains' market price to deviate significantly from intrinsic value.
Please note, there is a significant difference between South Plains' value and its price as these two are different measures arrived at by different means. Investors typically determine if South Plains is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. Conversely, South Plains' market price signifies the transaction level at which participants voluntarily complete trades.